Travel Insurance

Travel insurance can be costly, so even I decline to take it. Why? Because, me and my family take multiple trips throughout the year and the cost adds up. I'd rather just "Spin the Wheel"; and take my chances. Until, I discovered a plan that covers you for the entire year, regardless of the number of trips. I wish I had known this last year.

Remember Hurricane Irma & Maria? Last year, we had our annual trip planned to St. John, USVI. We own a time share. So, if we ever had to cancel, the accommodations wouldn't be lost. The airfare, I never really worried about what would happen to it if we couldn't go.

Well, one of the most devastating acts of Mother Nature happened, and our beloved home away from home was destroyed. You'd think under the circumstances, it would've been so easy to get the refund back from the airlines. It was not.

Even though the island was shut down for months, we had to beg and plead to get our airfare back. A credit wasn't an option for us. We knew we weren't going anywhere else that coming year. We had other trips planned. If I had purchased Chubb's policy, I would've recouped my airfare without a hassle.

Chubb, one of the most respected carriers, offers customizable travel insurance — Passport 360. The annual travel protection can be offered for a single person or a family. Did you know that most travel insurances cost 4 to 10 percent of the trip? On average that's $250 to $500 per trip! No wonder why I always turn it down; it surely cuts into your travel budget!

Chubb's policy covers all of your travels for the year, for a one-time fee, and may not cost you much more. Did I mention, It's for an entire year.

Chubb's policy Passport 360, covers you no matter how many times you travel throughout the year. It can also be tailored to your needs, by adding on additional coverages, such as coverage for golf excursions.

Passport 360 also provides some unique coverage, such as emergency medical transportation. I know when my husband and I travel abroad, sometimes I think What if I needed emergency medical care? Would this be place I want to be? Chubb, in the event of an emergency, will transport you to another location for medical attention if needed.

Like all other policies, there is fine print and there are limitations. Location of travel needs to be more than 150 miles from home, and the trip need to be for no more than 90 days. The total cost of a trip cannot exceed $10,000 (no more than $2,500 per person) for reimbursement.

So, my traveling friends, who wants to really enjoy their next trip with some real peace of mind? Contact Ten Eyck Group for a quote. You'll enjoy that vacation even more, knowing that if something goes wrong, you and your family are protected.

-Jayne Giannini

Posted 11:00 AM

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